One tap commerce mobile development services 2014 visa (1)

OneTap Commerce MOBILE COMMERCE ENABLEMENT

September, 2014

2 OneTap Commerce © 2014

Contents

Why is mobile commerce such a hot topic today?

Our mobile commerce services

Helping our customers build mobile solutions

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The advent of ecommerce fostered in an evolution in the way customers trade with businesses. Mobile Commerce is a revolution.

Mobile commerce is opening a BIG new window of commerce. That hour train commute you have means you are now ‘open for business’. That’s 10 hours a week of possible incremental commerce availability.

Ecommerce brought about disruptive change to brick and mortar merchants – and competition.

Mobile commerce integrates them.

This changes everything.

Mobile commerce is soaking up ‘perishable inventory’ by matching customers with merchants, on-the-go. Geo-located offers means that restaurant is now filling more tables. The hair-dresser, the taxi driver, the grocery store… They are all more efficiently selling their inventory because they can know where their customers are and sell accordingly.

Mobile commerce is not just about selling – it is much, much more. Your mobile is your accountant, your concierge, your health advisor, your nanny, your security guard, your navigator, your shopping buddy, your rewards optimizer, your appointment reminder. Your everything.

OneTap Commerce © 2014

Why has mobile commerce become such a hot topic all of a sudden?

Several recent, significant catalysts are accelerating the adoption of mobile commerce…

Until recently, mobile network operators controlled which apps could make NFC payments from a phone (via the SIM)

HCE breaks this ‘monopoly’ by placing control back with the issuer and making mobile commerce available to everyone

With Google’s Android recently embedding HCE, and its 81% share of global smart phones… everyone’s paying attention now

Loyalty programmes, promotions and other content can now be integrated with payments, in real-time to create highly personalised customer experiences. This was never possible with plastic cards.


Press Release: Mobile Payments to

Reach $1.3tn Annually by 2017, as

NFC and Physical Goods Sales

Accelerate

How MasterCard and

Visa Just Made

Banks the Next Big

Players in Mobile

Payments February 19, 2014, 5:30 AM PST

By Jason Del Rey http://recode.net/2014/02/19/how-your-banks-app-may-

someday-replace-your-wallet-thanks-to-mastercard-and-visa/

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With the advent of mobile commerce solutions, businesses can now play a MUCH more value-add role in the customer’s payment life

Guide customers to stores, using real-time offers, based on geo-fencing and real-time offers?

Cross sell / Up sell? Dynamic credit decisions? Etc.

Faster, more convenient, smoother experiences

More information passed to customer, in real-time

Cross-selling Etc.

Revolving and installment options?

Post-purchase cross-selling? Etc.

Convenience, money saving for customers

More footfall for merchants Commission revenue to issuer

from merchants for driving footfall

Customer convenience Increased transactions

Better cash-flow mgmt. for customer

Interest bearing revenue for issuer

Before the transaction During the transaction After the transaction

Ben

efit

s

Before mobile commerce, many businesses conducted business passively, simply ‘ringing the customer up at the till’ – that’s all changing now

Our Prediction: businesses will broaden the scope of their interactions with customers, with mobile



Contents




New customer acquisitions

Cross-selling and Upselling

Customer on-boarding

Retention & win-back

Increasing product/services usage

Underwriting

Application processing

Credit risk management

Collections (recoveries)

Fraud

Operations management

We specialize in developing solutions that use mobile devices to specifically address business challenges in the banking / payments arena…

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Our Mission: Determine how mobile devices can directly help payment card teams with their everyday business problems


We address these business challenges using a robust toolkit with many building blocks, to create amazing mobile customer experiences

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We create tailored mobile solutions, using a broad array of mobile capabilities and the constantly expanding sea of apps customers love to use

A different combination of apps and functions means each solution can have a unique architecture – enabling our customers to significantly differentiate their propositions and break the cycle of price competition


OneTap Commerce © 2014 9

The trick to building great mobile experiences for customers which are efficient, reliable and scalable is to use an established base architecture, on which we can plug in all the value-add apps and mobile functions ...

OneTap Commerce

Collect ™

OneTap Commerce

Monitor ™

OneTap Commerce

Decide ™ OneTap Commerce

Touch ™ OneTap Commerce

Transact ™

OneTap Commerce

Learn ™

Bring in data (offers, location, events, customer requests/inputs, etc.)

Integrate the data, in real-time, and prepare it for use

Monitor sensors, data sources, locations, loyalty program details, etc. 24 x7

Learn the nuances of the customer’s situation to help in all the right areas at all the right times

Analyze the collected knowledge about the customer

Make decisions about what to say to them

Cue up the message for delivery

Get the customer’s attention – via alerts, messaging, emails, etc

Communicate good deals, risk of missing meetings, birthday gifts to buy, groceries needed, train delays, etc.)

Security and authentication

eWallet integration HCE, tokenization,

etc. QR code generation

Process everything the customer has done and not done and learn from it Take on board their likes and dislikes they have input about experiences Use advanced, self-learning data mining algorithms to learn what is working and not working

The OneTap Commerce Mobile Commerce Architecture

How are we different? We are not ‘app developers’, but a multi-disciplinary team with strategy, proposition, CRM & tech resources

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CRM/Customer Interaction Data integration E-wallets Gateway Processor Loyalty and Couponing Payments Real-time Personalization Security Software/App Integration Etc.

Deploy mobile infrastructure What we do

Consumer / commercial Credit / debit cards Smart phones, feature

phones, tablets, phablets iOS, Android, Windows,

Java, Blackberry…

Build mobile solutions (propositions)


We are also different because we never start a client’s mobile journey ‘from scratch’, we make use of a set of Mobile Commerce Starter Packs… that we built for this purpose

Consumer Card Solutions

1. Finance ‘on the fly’

2. Location Based Behavioural Targeting

3. Mobile as a Primary Bill Pay Hub

4. Mobile Travel Companion

5. Transaction Assurance Application

Commercial Card Solutions

1. Owner-Centric Controls

2. Cash Flow Portal

3. Franchise App

1. The rationale for the solution

Research Trends Logic case

2. The use case – how it works

Introduction to the user Sign-up/set up of the

solution A “day in the life of the

customer” story

3. Description of what is in the solution

4. Positioning Headline features Supporting features Pricing considerations Customer experience

5. Description of benefits for the stakeholders (customer, issuer and merchant)

6. Quantitative and qualitative impacts for issuers

7. ROI model (MS Excel)

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8 mobile starter packs to jumpstart mobile deployment


OneTap Commerce © 2014 12

Contents




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We help our customers develop their mobile solutions and underlying

infrastructure by offering 5 services

Our Mobile Commerce Services

Mobile Opportunity Assessment and

Strategy

Mobile Proposition Definition

& Business Plan

Pilot Launch & Testing

Commercial Roll Out

& Business Plan

Mobile Solution Development

We provide cutting edge mobile technologies and services to enterprises wishing to quickly gain traction in the mobile commerce space.

We conceive of, design, build, deploy and manage bespoke mobile ecosystems for our clients.

Depending on how far along the client is in their ‘mobile journey’, we can help with formulating their plans and business cases, or ‘down in the weeds’ installing complex mobile technologies.


I. Market research baseline (competitive

landscape, technologies, trends and analysis)

II. Mobile commerce vision creation

III. ‘Monetising’ the vision

IV. Mobile readiness assessment

V. Partner & technology ecosystem requirements

VI. Strategy & plan

Mobile Opportunity Assessment and Strategy

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It all begins with a compelling and financially sound mobile commerce vision, strategy and plan

Mobile Opportunity Assessment and

Strategy



I. Mobile proposition ideation

II. Pricing model, ROI and P&L projections

III. Rapid mobile application development

(Storyboard) & app video creation (YouTube)

IV. Success criteria definition & agreement

V. Risk assessment

VI. Product requirements document

VII. Business plan development & agreement

Mobile Proposition Definition & Business Plan

Once the plan is agreed, we help customers quickly create their mobile commerce propositions and prototype them

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Mobile Proposition

Definition & Business Plan



I. Engineering solution definition and sign-off

II. Ecosystem partner negotiations & agreements

III. Software and hardware licensing

IV. Platform implementation

i. Front-end application development

ii. Systems integration

iii. Testing

iv. Certification

v. Analytics


Our mobile development professionals then take over, using cutting edge tools and components to build tailored, differentiated mobile commerce solutions

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I. Develop pilot plan & recruit participants

II. Pilot dry-run

III. Launch pilot

IV. Employee training

V. Performance assessment (system, ecosystem

partners and users)

VI. ‘Kill switch’ decision

VII. Integrate learning and agree refinements

VIII. Implement refinements

IX. Prepare for rollout


A pilot solution is then tested with the test participants and quickly refined, using agile development methods

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I. Move pilot to production environment

II. Develop marketing & sales plan and materials

III. Develop training and internal communications

plan

IV. Execute internal communications and training

V. Launch marketing campaign and announce

rollout

VI. Go-to-market support

Commercial Rollout

Lastly, when the solution is completely stabilized, the full scale rollout to the market is executed

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Commercial Roll Out



* Depends number of card processing systems in use at client & options they select in the process; HCE can be deployed with set options, on one processing platform in 12 weeks

HCE - User Side Implementation Agree e-wallet features Develop initial interface diagrams and

user flow Review & update interface diagrams

and user flow with client Review interface design and user flow

with developer

Requirements / Solution Definition Conduct issuer discovery/assessment Conduct ideation sessions & develop

prototype HCE app. Document requirements Define solution ROI Model Review requirements, solution design &

ROI model with issuer & obtain signoff

HCE ‘Ecosystem’ Partner Selection Collect latest collateral, specs and

documents on tool/service providers Review landscape of options with issuer Agree on vendor scoring tool criteria Prepare and issue Request For Proposal Select vendors, conduct negotiations &

sign agreements

HCE - Server Side Implementation Processor Host Interface Optional wallet interface, optional host

interface (Online Banking Host) HSM (Host Security Module) support Establish test plan, review and gain

agreement from issuer Certification - PCI DDS Certification Mobile Payment

We have also created the OneTap HCE Accelerator Programme™, which aims to have a HCE pilot up and running in less than 12 weeks*

HCE Pilot Rollout Develop pilot plan & recruit participants Marketing plan review, merchant

readiness (locations & terminals) Refine plan and launch pilot Performance assessment (system,

ecosystem partners and users) ‘Kill switch’ decision Integrate learning & refine

System Deployment Server plus HSM Deployment Online interface integration Card management integration interface Support for continuious integration Hardware and Software Platform (Issuer

Provided) Network & HSM Serve Cost Redundant

The OneTap HCE Accelerator Programme™: a 6 step process


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A high-value, productive, enjoyable and memorable experience for issuers…

The ideation team envelops, supports, encourages, stimulates and cajoles the attendees

Research, images and other content is displayed, at the exact time its needed, on different screens in the room

The facilitator of the event runs the show, sets the pace and forces production – he/she is part mobile guru, part payments expert, CRM wiz and part circus ring-master!

The attendees see a range of rapid-fire demonstrations of cutting-edge mobile customer experiences, specific point solutions like geo-location, HCE, ewallets, tokenization, etc.

At the conclusion of the event a deliverables pack is produced, including a tailored proposition concept, a working mobile prototype, business case and a plan

Also, a central facet of our approach leverages a high-intensity, concentrated proposition ideation experience for our customer– so we can deliver great commercially viable, super-compelling mobile propositions

‘On tap’ Research

Demonstration

The “IDEATE” Event

On-site researchers locate and display relevant content, on-the-fly, to stimulate discussion

Demonstrate specific solutions and technologies

Structured, high-energy proposition ideation to create tailored digital/mobile proposition concepts; West Coast USA team uses time-zone difference to create prototype draft overnight

2 day innovations experience

Ideation & Overnight Prototyping


This approach to helping payment card issuers move into mobile commerce also creates ‘pull’ for Visa products and services…

Visa Tokenisation Service

Visa Alerts

Visa data & CLO Visa Personal Payments

V.me

Solution selling sales methodology: Rather than just promoting an existing product, the salesperson focuses on the customer's pain(s) or opportunities and addresses the issue with his or her offerings (product and services). The resolution of the pain is what constitutes a "solution".

Pull existing and emerging Visa products and services by selling full solutions and including them in the ‘bill of materials’


About our people and our track-record with Visa

+

24 x 7

The Track Record

8 years of working side-by-side with Visa Europe to solve Member credit and debit business problems

75+ Visa Member projects delivered and graded by Members

Certified Preferred Partner of Visa Consulting & Analytics

The Team

60 senior management consultants (Advisors)

45 mobile, e-commerce & payments software developers

102 systems integration professionals

Resources in UK, Spain, India, United States, Australia

Many languages spoken

The Skills

We’ve worked in financial services companies in marketing, risk, IT, operations and other areas

Engagements with many financial services companies in over 30 countries

Our consultants have between 15 and 40 years experience working in leading financial services companies

The Delivery Capacity

We use three time-zones to execute

We have many years of ‘handing off the baton’ to the next team

Off-shore resourcing for competitive pricing & fun with Skype

On-shore, client-site project management


+44 (203) 286 2923 +1 (813) 699 5433

[email protected]

www.OneTapCommerce.com

Contact us and Go Mobile!

ap Commerce © 2014 23